Alternative lending

Everyone got a good idea about alternative investment which is not a conventional investment type like stock, bonds or FD. Mostly alternative investments are handled by large institutions and high net worth individuals. It has got regulations, tax consideration, investment costs, etc like any other conventional investment. 

Now it is the time to think about alternative lending. Let’s start with an example. Take Ramu the merchant who is running a grocery shop. As he is not having a good bank credit history or ITR filing, normally forced to take loan from lenders who are charging heavy interest rate of like 35-45%. 

Traditional credit score systems are forcing Ramu to approach the greedy lender. The digital credit score systems are accessible to only small percentage of population in India. For large population, past credit history is mostly unavailable or incomplete. So people like Ramu depend mostly on friends, relatives, self help groups and finally lenders who are charging high interest rates.

This type of borrowing may satisfy his short term needs but for long term he will fall in trouble in most of the cases. There are many people like Ramu, denied bank loans from traditional banking institution due to lack of credit history. Big banks can’t help the merchant like Ramu to keep the business afloat. Here comes the P2P lending.

These types of lending takes place through an online plat form that uses technology to bring together lenders and borrowers. Lenders here are investors who are seeking attractive yield in their investments.
Now the question arises. 

How the P2P or peer to peer lenders assess the credit worthiness of a potential borrower? 

Identifying right borrower at right time and right place is a challenge for the lenders as they are not using traditional credit scoring parameters. Lenders are depending other data like social media behaviour, mobile phone records and psychometric methods. Using these new data analytics methods, future predictability is possible with a good accuracy. 

Lenders are also customising product required for the borrower. For example Ramu, a grocery shop owner need credit for 1 month, where as a building material merchant require loan for quarterly basis. Their size of borrowing is also different. This will also change from place to place and time to time.

Digital infrastructure for loan distribution channel is an emerging area in India. They are mostly user friendly and hassle free. Borrowers are approaching these digital plat forms to reduce the head ache attached with getting a loan from a bank. So these sites are careful in their user interface approach. Thanks to the good and creative web designers. 

How much return a lender can expect from peer to peer lending?

This will be between 12% to 36% depending on the risk category of borrowers. 

Why you should look at peer to peer lending as an investment class?

This is a regulated business
Investment tenure is not long
Generally get high rate of return
Diversification scope
Regular cash flow 

Traditional investors who ready to take a little more risk, then their return will be really attractive. In India P2P lending was always there. Digital transactions are increasing in India. I think we will see a massive flow is P2P lending in coming years. 

How human capital helps in borrowing?

Every business requires money. Is there any growing business in this world that can say “No, we don’t need further investments”? Difficult to find one

So borrowing is a common term associated with doing business. It may be traditional or nontraditional. Last time, we were discussing about peer to peer lending and benefits availed by it.

Here I have few suggestions, if you are a small scale entrepreneur looking for lenders. In P2P lending, lenders are using unconventional data analysis to find out your credit worthiness. Same way it is also important to find out your debt equity ratio. Lenders or investors may not be interested if there is high debt equity ratio because it will negatively affect the repayment capacity of the firm. 

Intangible assets 

Here the borrower should really look into his intangible assets to make a fair debt equity ratio acceptable with the lenders.

How can he do that?

If you are doing a business where knowledge is the important factor, then transforming this intangible asset to tangible asset is your job. 

For Eg: Designer, architect or any other business where human skills are adding value to the growth.Before finding out the value of total intangible assets we have to look at the items constitutes for this category.

1. Individual competencies
2. Intellectual capital
3. Human capital
4. Trade marks, intellectual rights, Brand image, etc.
5. Strategic skills

There are many accepted norms for calculating the value of intangible assets. Higher the value greater is the chance for you to get the loan. 

So, next time when you are planning for applying a loan, assess your value of intangible assets.Other important point you need to consider is 

Key man insurance

Your firm is totally depending on the skills and intellectual capacity of your employees. What will happen to the company when death of a key employee adversely impacts the business? This is usually a big concern for lenders. 

How you can tackle it?

Easy method is to take a key man insurance policy. Premium expenditure will be treated in business expenditure and claims will be directly treated to business income. So having key man insurance will really increase your borrowing power. 

More than all, your credit worthiness is depends mostly on your book keeping policies, transparency, individual capacity to lead the business into target growth trajectory. 

Start preparing your financial plan run your business better than before

Visit website 

Investment reporting

Investment reporting is becoming an important subject in wealth management industry. Asset management is getting into a complex scenario with inclusion of new asset categories. So trust worthy investment reporting is a key to reach in clients.

Global Investment Performance Standards (GIPS) are giving guidelines for structuring investment reports.

Wrongly valued holdings, non disclosure of counter party risks are making gaps in investment reporting and thus making clients to reach in wrong assumptions.

There are few key areas investment reporting need improvement

•Reports should be clear and transparent.

•Counter party risks should be disclosed

•Present, time weighted as well as money weighted returns

•There should be transparent fee structure and will be conveyed to the client. Management fee, transaction fee, performance fee if any should be indicated properly in investment reporting. This is very important because in long term it will largely impact investor’s both gross off fee return and net off free return.

•Complex products like structured instruments, derivatives, insurance products will be recorded properly. How these asset classes are treated in decision support tools, holding statements, accounting statements will be mentioned.

•Data inconsistency will be assured

•SEBI and other regulatory authorities are constantly watching the reporting standards. So staying along with the regulatory trends is crucial.

•Most of the investment reporting focuses on asset allocation, portfolio performance, transaction summary etc and completely ignores accounting side and risk analysis side. So keep an eye on these areas.

•The report should be timely and accurate

•Source of data should be selected carefully

•Methodologies to reach certain calculation, for eg; XIRR should be disclosed in report or provided upon request.

•There should be an error correction policy.

•Production and control processes are periodically reviewed.

•Report should clearly convey investments made, results achieved, risks taken, and costs incurred

•The investment report provides the user of the report with appropriate comparative data such as index data, a customised benchmark like sensex, Nifty, S&P etc.

•All kind of corporate actions occurred during the investment period affecting the clients portfolio should be mentioned in report.

•It is not about more data, more foot notes; more graphs will produce a clear report. It is accuracy and readability of clients makes a report valuable.


What Excella Software offers to an advisory?

•Excella advisory software can help advisory to produce the investment reports with following objectives

•Excella ensures the end users preference.

•Excella reports increase the communication and education between advisory and clients.

•Report assures minimum content necessary for a transparent and effective investment reporting.

•Advisor can select a format for reporting. This will enable advisory to convey each words of information important to the client.


Install Excella advisory software for best client reporting

Technical analysis software

Excella Trader Technical system is a simple and user friendly software used by

Day trading in equity
Day trading in Nifty

Option strategy finding.

Please schedule a demo

Pay Just Rs. 500 to get 1 month software subscription
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Portfolio advisory software

Complete back office solution for advisory services and PMS companies...

Software is used by

► SEBI registered RIAs
► Portfolio advisory and PMS companies
► Share brokers and Mutual fund distributors
► Family wealth management offices
► Traders and investors

Please book a demo

RIA and PMS software

Make profit in day trading

Start making Daily gain using  Excella Technical software

What is Excella Trader Technical system ?

Excella Trader is a new technical analysis and stock screening software developed by Institute of Capital Market Studies 

You can easily install software fro our website . For getting license key for a paid trail yo need to pay Rs. 500 /Month.

Easy to use. Trader with  basic computer skills can use software . It will give recommendations automatically and you can pass this trading software 

Excella Trader using several indicators and many new methods to find shares with genuine momentum by avoiding the fake break outs. 

Several steps were involved in developing this trading strategy. First, a broad range of stocks were selected. This group of stocks consisted of all NSE stocks from a variety of industries. Stock data going back over  years for this group of 1000+ stocks was analyzed with Excellatrader. 

We have compiled and combined certain indicators. When using it together it worked wonders.  Certain reoccurring patterns were found and buy/sell rules were developed. The results were positive and we could 

make consistent gains by using this system 

How this benefits a trader ? 

Reduces the efforts and time spend on analyzing and choosing the best shares for day trading.

Excella trader  is useful for traders who primarily watching momentum and looking for short term gains.

Data is absolutely free and can be downloaded from our server.

Traders can get an idea of buying and selling before the market starts.

Excella trader automatically generates the result and thus traders can get entry, exit and stop loss levels .

Excella trader  tries to avoid fake break outs by its strict screening process. 

If indices are not moving in either side there will be still some shares moving, Excella trader captures those shares and gives excellent result.

Users only need to spend 15 minutes daily in front of the system to do this exercise and during market hours do not change the plan. 

Plan the trade, and trade that plan. 

There are hundreds of Excella trader customers satisfied with the system , using it daily as a part of their trading routine and those customers are our inspiration and we always lend our ears to their suggestions and feed back .

Excella trader is coming along with an automating entry utility. So the selected shares will be passed to your trading terminal with less effort. Simly your working time on stock market will be like this

2 hour job 

• At 9:00 AM - START FILTERING AND MAKE ALL AUTO TRADE FILES READY
• At 9:15 AK  - PASSING THESE FILES TO TRADING SOFTWARE
• Between 9:15 to 11:00 start exiting positions as per the target and stop loss levels
• At 11.00 AM - CLOSE ALL TRADES AND YOU ARE GOING HOME WITH A PROFIT 

 Key features:

  

·          Dynamic trading systems supported by sophisticated analysis methods

·         10 unique systems developed by Excella trader used to screen and filter shares.

·         Excella trader automatically generates recommendation for the day.

·         Traders only need to execute the calls.

·         Excella trader finds Nifty futures trading levels.

·         Portfolio management section incorporates portfolio positions, analytic    and risk

·         Option strategies enables investors to find best strategies for the given period.

·         System can be upgraded through the website time to time (free of cost)

·         Dedicated after sales service team help traders to clarify their queries

Here is a video explaining how Excella Trader works . click here 

Please watch it and if you are satisfied you can purchase 

      PAY ONLINE   

    Call me on 9605 995500

Excella Advisory Software

New product from Excella

You can now install software on monthly payment basis. 

This is a limited period offer !!

Excella is introducing a new software product for advisory business. 

Our new solution will be helping SEBI registered RIAs , PMS services and other advisory firms for client management and reporting 

Below is the details of software features

FEATURES	ERP	PRO	BASIC
GOAL BASED MAPPING OF CLIENTS	YES	YES	NO
FEES BASED ON ASSET TYPES AND CLASSES	YES	YES	NO
FAMILY PORTFOLIO MANAGEMENT	YES	YES	NO
SCHEDULED REPORTING	YES	YES	NO
F&O PORTFOLIO MANAGEMENT	YES	YES	NO
ACCOUNTING AS PER THE STANDARD	YES	YES	YES
ACCOUNTING INTEGRATION WITH FRONT END	YES	YES	NO
TAX MANAGEMENT	YES	YES	YES
P/L STATEMENT FOR EACH CLIENT	YES	YES	YES
CAPITAL GAIN REPORTS	YES	YES	YES
ANNUALISED RETURN	YES	YES	YES
HISTORICAL VALUATION	YES	YES	YES
MULTIPLE ASSET ALLOCATION	YES	YES	YES
IMPORTING OF CONTRACTS NOTES	YES	YES	NO
PORTFOLIO MANAGEMENT/REPORTING	YES	YES	YES
INCOME STAEMENT	YES	YES	YES
PAYROLL MANAGEMENT/STATUTORY	YES	NO	NO
STRATEGY BUILDER	YES	NO	NO
ORDER MANAGEMENT	YES	NO	NO
CLIENT COMMUNICATION MANAGEMENT	YES	NO	NO
FEES MANAGEMENT	YES	NO	NO
CLIENT PORTAL WITH LOGIN	YES	NO	NO
ONLINE FEES PAYMENT BY CLIENT	YES	NO	NO
BULK JV UPDATING	YES	NO	NO
LEVERAGE MANAGEMENT	YES	NO	NO
EXTERNAL PARTY FILE IMPORTING	YES	YES	NO
EXPENSE REPORT	YES	YES	NO
COMBINED EFFECT OF CORPORATE ACTION	YES	NO	NO
INTERACTIVE GRAPHS-WEB	YES	NO	NO
CLIENT REPORTING IN PDF	YES	YES	NO
FUNDAMENTAL RESEARCH	YES	NO	NO
TECHNICAL FILTER	YES	YES	YES
QUERY BUILDER	YES	NO	NO
PRIVATE EQUITY MODULE ADVANCED	YES	NO	NO
RECONCILIATION	YES	NO	NO
ANALYST PERFORMANCE MEASURE-WEB	YES	NO	NO
BROKER MANAGEMENT	YES	NO	NO
CUSTOM WEBSITE - STANDARD	YES	NO	NO
RE BALANCING MODULE	YES	NO	NO
SCENARIO ANALYSIS	YES	NO	NO
MULTIPLE CURRENCY MANAGEMENT	YES	NO	NO
PRICING(Rs.)
SPECIFICATION	ERP	PRO	BASIC
NUMBER OF PORTFOLIO	500	500	500
NUMBER OF COMPUTERS	1	1	1
LICENSE DURATION	1 YEAR	1 YEAR	1 YEAR
ANNUAL CHARGES	30,000	20,000	15,000

Use software for 1 month with a small payment . If you are satisfied you can renew the software. We will make minimum level customization during this period 

New web interface for Excella Advisory software

Now clients can register and fill KYC thru the web application provided by Excella

Web features are used for 

• Client Registration and KYC (Uploading of documents)
• Risk profiling
• Client basic data entry 
• Asset Transactions (manual and importing from CAMS/KARVY, Excel files etc)
• Reporting - consolidated summary
• Performance report
• All clients view
• Recommendation module

Monthly pricing to start with..easy to pay with Payumoney 

Start today..call 9605995500

SPECIFICATION	ERP	PRO	BASIC
NUMBER OF PORTFOLIO	500	500	500
NUMBER OF COMPUTERS	1	1	1
LICENSE DURATION	1 M	1 M	1 M
MONTHLY CHARGES	3500	2500	1500

Click here  following link

Fill your details on this GOOGLE FORM 

      PAY ONLINE   

OR  You can use any of the below bank account for payments

Name: KANNUR INSTITUTE OF CAPITAL MARKET STUDIES PRIVATE LIMITED 

A/C no : 914020041698109

Account type : current A/c

Bank : Axis Bank

Branch : Kannur

IFSC - UTIB0002605​

Excella Trader Pricing

How to import contract notes in excella advisory softwrae

How we made gain first 2 weeks of January

We have started our new portfolio from 1 Jan 18. So far we recommended to buy 5 stocks. Out of these 4 stocks making good gains whereas 1 triggered stop loss. Just dial and Snowman Logistics could make more than 10% gain in this small period. Bench mark Nifty made 2.5% gain in same period. Our portfolio made an average gain of 5.3 % gain. We are following a proprietary filtering method to find out the best stocks for trading.

Below is the details

SHARE ENTRY EXIT/CMP P/L%
Snowman logistics 60.20 67.60 12.3%
LIC Housing Finance 569.00 582.00 2.3%
Mirza international 161.00 157.00 -2.5%
Just dial 569 627 10.2%
CAPF 776 810 4.38%

If you are interested please register with us
https://docs.google.com/…/1FAIpQLSe8WQQMV4-eUk-UW…/viewform…

Portfolio advisory systems

SNOWMAN LOGISTICS RISES AGAIN

Our top pick of the month snowman logistics is making 7% gain today 

Portfolio adviser should focus on his core function

How much is spent on necessary--but uncompensated--tasks that ultimately don't add value?

Is outsourcing the answer?

Results of a recent study revealed that over 40% of large brokerages outsource at least one back office function--and 97% planned to increase their level of outsourcing. Among smaller firms and independent RIAs, roughly 30% outsourced all their back office functions, according to a 2016 research, and 60% outsourced at least some of their back office tasks.

If you want clients to see you as picking funds, lots of people do that. But if you free up your time to provide full service, to devote more time to clients  that's how an entrepreneur thinks.If you want clients to see you as picking funds, lots of people do that. But if you free up your time to provide full service, to devote more time to clients and children of clients, that's how an entrepreneur thinks.

18% of advisories that outsourced portfolio management, nearly 60% saw significant growth in AUM. Of the 82% who managed investments internally, fewer than half saw growth in AUM.

From the client's perspective, firms who outsource back office tasks have a more professional, value-added presence. 

Advisors are able to offer a level of oversight and diversification previously reserved only for major brokerages--and they are able to spend their time on growth-oriented tasks that generate revenue and build AUM. Now might be a good time for RIAs to take a hard look at the tasks they really need to keep in-house and those that are better delegated to an outsourced partner.

Try Excella Advisory platform 

You  focus on increasing your AUM, we will do the rest 

Please call me o 9605995500

Just dial and CAPF rises

We have made a recommendation for JUST DIAL and CAPF

How we performed in 2017

How to increase your client base

We offer an advanced software solution which integrates front-middle-back office functions in a portfolio management and advisory companies. 

As a portfolio manager you need a powerful support model that contributes to a competitive advantage. 

This will definitely help you to increase the volume of your business.

 

Our software solutions will reduce time required for :

• Accounting functions
• Investment research and analysis
• Data gathering and manipulation
• Order routing 
• Strategy builder
• Making accurate performance measurement
• Client reporting and management
• Posting accurate accounting entries

 

Everything will be done with fast , accurate and reliable way.

It is your core business activity. You need fast and accurate data analysis to reach informed decisions. 

You need to get better result from your asset allocations and have to do it in least possible time duration. 

So you need a technology platform that will never let you down.

 

Main features portfolio analysis module:

 

• Asset Filtering

• Optimization

• Re balancing

• Scenario Analysis

• Back testing

 

Accounting features:

 

Complete accounting with back office and front end integration. Our integration helps to avoid duplication of repeated jobs. 

Fees management - Different fees categories

• Management fee- fixed
• Performance based fee
• Hurdle rate
• High water mark

Separate system for various asset classes like MF, Equity, Bods, Properties and Private equity 

Accurate performance measurement 

Our software automatically calculate XIRR for individual holdings and overall portfolios,

both absolute and relative to any benchmark you designate. We are using adjusted cost basis method.

Reporting on performance at any interval you require – daily, monthly and quarterly. 

Tax calculation based on long term and short term capital gains

All of our portfolio management platforms incorporate automated performance reporting. 

Our solutions integrate with market-leading providers of data. 

Software is installed in different versions according to your requirements

We are doing necessary customization as per your specific needs. We value your inputs.
Android App is our optional service 

What are the main features?

• ACCOUNTING AS PER THE STANDARD REQUIREMENT
• ACCOUNTING INTEGRATION WITH FRONT END
• TAX MANAGEMENT
• P/L STATEMENT FOR EACH CLIENT
• CAPITAL GAIN REPORTS
• ANNUALIZED RETURN
• HISTORICAL VALUATION
• MULTIPLE ASSET ALLOCATION
• IMPORTING OF CONTRACTS NOTES
• PORTFOLIO MANAGEMENT/REPORTING
• INCOME STATEMENT
• PAYROLL MANAGEMENT/STATUTORY
• STRATEGY BUILDER
• ORDER MANAGEMENT
• CLIENT COMMUNICATION MANAGEMENT
• FEES MANAGEMENT
• ANDROID APP- CUSTOMIZED
• CLIENT PORTAL WITH LOGIN
• ONLINE FEES PAYMENT BY CLIENT
• BULK JV UPDATING
• LEVERAGE MANAGEMENT
• EXTERNAL PARTY FILE IMPORTING
• EXPENSE REPORT
• COMBINED EFFECT OF CORPORATE ACTION
• INTERACTIVE GRAPHS
• CLIENT REPORTING IN PDF
• FUNDAMENTAL RESEARCH
• TECHNICAL FILTER
• QUERY BUILDER
• PRIVATE EQUITY MODULE ADVANCED
• RECONCILIATION
• ANALYST PERFORMANCE MEASURE
• BROKER MANAGEMENT
• CUSTOM WEBSITE - STANDARD
• RE BALANCING MODULE
• SCENARIO ANALYSIS
• MULTIPLE CURRENCY MANAGEMENT
• ONSITE SUPPORT

BOOK A DEMO